Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had collections since 2019 with DCA and they continue to remove and add it back on my credit report. I paid them twice. In 2022 and in 2024 both in which they were contacted by my bank for the collection amounts to be paid in full.
  
  They removed and added it back to now the earliest date of August 2024 for an amount of $6400.00 but never disclosed this when they were contacted by my bank in July 2024 and was paid $1,815.00 to close my collection acount. . They have heavily impacted my credit score based on this behavior.
  
  They keep changing the amounts and file number to make it seem as if it is a new loan.

  Business Response

  Date: 06/05/2025

  Good afternoon,

  Thank you for bringing this customer concern to our attention.

  The date of the last charge allows DCA to report the file to the credit bureau.

  DCA have not received payment on this file, and the customer refused to provide us with proof of payment.

  Regards,

  ****** ****
  Client Services and Administrative
  Associate 

• Initial Complaint

  Date:01/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Said company was collecting a debt which i understand. However this company called me 20 times!! Within 1 Hr yesterday April 23rd! . This is harassment and made me almost call my cell phone provider to get my number changed

  Business Response

  Date: 06/05/2025

  Good afternoon,

  Thank you for bringing this customer concern to our attention.

  After reviewing the customer file, it seemed like the calls were disconnected.

  However, there were no customer contacts, and no messages left.

  We are currently investigating the issue with our IT department to determine if there was a problem.

  We apologize for any inconvenience which this may caused you.

  Regards,

  ****** ****
  Client Services and Administrative
  Associate
  
  

   

  Customer Answer

  Date: 08/05/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  it was harassment as I was at the drs office waiting so had to send calls to voicemail. It was 20 DIFFERENT NUMBERS that called WITHIN 1hr. This is unacceptable.
  
  Sincerely,
  
  
  
  ******* **********

  Business Response

  Date: 22/05/2025

  Good afternoon,

  Thank you for bringing this customer concern to our
  attention.

  After further investigating the activity on
  the file, it indicates an intent to pay the account.

  To assist the customer, the agent was
  attempting to contact the customer, but the calls were disconnected.

  No customer contact was made, and the agent
  was unable to leave a message.

  The attempts made were to assist with the
  intent that the customer conveyed to pay a bill in a previous call.

  Regards,

  ****** ****
  Client Services and Administrative Associate

  Customer Answer

  Date: 28/05/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because 

  I could understand one call a day and or ONE voicemail a day left. However a person from the company called and didn’t leave a VM and went on to Call 20! times from 20 different numbers ALL WITHIN ONE HOUR . This is Harassment and against the credit recovery rules and I want no future communication from said company 

  
  Sincerely,
  
  
  
  ******* **********

  Business Response

  Date: 09/06/2025

  Good afternoon,

  Thank you for bringing this customer concern to our
  attention.

  We have provided the customer with the
  reasons for the calls being received.

  Currently, the customer file has been
  closed in our office as paid in full and a Release Letter was issued.

  There are no more dealings between this
  customer and our office.

  Regards,

  ****** ****
  Client Services and Administrative
  Associate

  Customer Answer

  Date: 11/06/2025

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******* **********

• Initial Complaint

  Date:08/04/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  DCA has been calling me non stop about an alleged debt that they say I owe them. It is also being reported on my credit report with file number ********. I had sent them a mail via registered mail through ****** **** with tracking number - ************* which reached their North York office on 11th February. It has been almost 2 months now and I still haven't received the documentation I had requested from them as debt validation request along with a request to cease and desist phone calls. However, rather than giving me the documentation to validate the debt, they still keep calling me non stop. They have violated my consumer right by not stopping their phone calls after failing to respond to my debt validation request. I request that this account be deleted off my credit report from DCA if they were not able to validate the debt and also to compensate me for calling me after cease and desist letter which has caused me serious disturbance while driving. * **** ******** *** ****** * *** **** ** *** **** ******* ****** **** **** ********

  Business Response

  Date: 09/04/2025

  Good morning,

  Thank you for bringing this customer concern to our attention.

  On February 26th,2025 we have mailed to the customer the loan agreement he requested through ****** ****.

  However, the loan agreement was returned by ****** **** on April 8th, 2025, and the file has been marked as mail returned.

  We will resend the loan agreement to the following address that is confirmed on this BBB.

  Kristoff W.
  ** ******** ***
  ********* ** ****** ******
  

  Regards,

  Rafina A.
  Client Services and Administrative
  Associate

• Initial Complaint

  Date:27/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I keep receiving emails by DCA saying i have to pay a huge amout to a company. I see nothing on my credit report and if i did for some reason owe money they have not shown proof and the date of the delinquency. Its none stop harassment from this company and i want it to stop. I do not owe anything

  Business Response

  Date: 02/04/2025

  Good afternoon,

  Thank you for bringing this customer concern to our attention.

  We have requested the loan agreement from the client.

  Once the agreement becomes available we will mail it to the customer.

  Regards,

  Rafina A.
  Client Services and Administrative
  Associate
  

• Initial Complaint

  Date:25/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  First received an email from DCA a few weeks ago. I forwarded the email to my bankruptcy trustee as I had filed, repaid and since been discharged from bankruptcy.
  
  This debt was absorbed into the bankruptcy as it happened several years before I filed for bankruptcy.
  
  My trustee has emailed, faxed and tried calling the contact details referenced on their website and emails, and DCA continues to claim that my trustee has not sent them the creditors package.
  
  My trustee has also Replied to All in emails from a supervisor named **** *. telling DCA to stop all contact with me because they are the trustee and I was protected by my bankruptcy. Yet I continue to get collection emails

  Business Response

  Date: 27/03/2025

  Good morning,

  Thank you for bringing this customer concern to our attention.

  We are still awaiting the creditor’s package from the Trustee.

  If the customer could have their trustee send the creditor's package to **********@*****************.com with their file # ******** in the subject line, we can close the file.

  While we are waiting for the package, we have temporarily moved the file off active collections to avoid further contact.
  

  Regards,

  ****** ****
  Client Services and Administrative Associate

  Customer Answer

  Date: 27/03/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  I have attached the email proof that my trustee has contacted them on numerous occasions.  In addition my trustee has sent faxes to the number this “company” advertises as their fax number.  Yet they continue to say they have not received anything.  I have also forwarded the same emails that were sent by my trustee and they refuse to admit that they have received it.

  
  Sincerely,
  
  
  
  ******** ********

  Customer Answer

  Date: 08/04/2025

  Hello, 

  I’m not sure if this is what you are looking for.  But here is the creditors package that was sent at the time of my bankruptcy to the original lender and as well subsequently to this DCA company…. You can see the amount of 3583.00 which was captured in the bankruptcy.

  Business Response

  Date: 10/04/2025

  Good morning,

  Thank you for bringing this customer concern to our attention.

  The creditor’s package the customer provided does not match his identification on the file in our office.

  However, we have requested a loan agreement from our client to support the information in the file.

  We will have the document mail to the address on file once it becomes available.
  

  Regards,

  ****** ****
  Client Services and Administrative
  Associate

  Customer Answer

  Date: 10/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  This has been going on for months now!  How is it that you have now just requested the initial loan agreement?  The creditors package was literally sent almost a month ago (** *** *** ****** ******** ** **** *********).  
  

  When I had initially asked what this loan was for (because I never had a loan with DCA) your representative said they did not know!  And that was more than a month ago!  I asked for clarification and none was ever provided to me… as though I would just pay some random amount without knowing what the original loan was for…. the representative should have immediately figured out that information and provided it to me… and if they did not have it on hand, a reasonable turnaround time of 48 hours I think would have been acceptable…. Not 48 days!
  

  Why has it taken more than a month and it continues to negatively impact my credit score!  The lack of professionalism is frightening.
  
  
  
  Sincerely,
  
  
  
  ******** ********

  Business Response

  Date: 24/04/2025

  Good morning,

  Thank you for bringing this customer concern to our attention.

  The customer file has been closed in our office on April 11th, 2025 and returned to the client.

  There will be no phone communication going forward on this file. 

  If the customer has any further questions or concerns, please contact the client directly.

  Regards,
  

  ****** ****
  Client Services and Administrative
  Associate

  Customer Answer

  Date: 24/04/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  They lack complete professionalism.

  They did not close my file.  I had to go directly to **********. And ********** removed them from my list of open credit accounts.  Not DCA!

  Furthermore, DCA suggested that I would not be receiving and further phone calls.  I never even once received a phone call!  Everything was done through email.  So does that mean they will continue to email me for something that does not exist?!?!

  How about an apology as this file never should have been acted on in the first place and the amount of time, energy and stress I wasted on something that should never have happened to begin with!

  Absolutely brutal!

  
  Sincerely,
  
  
  
  ******** ********

  Business Response

  Date: 24/04/2025

  Good afternoon,

  Thank you for bringing this customer concern to our attention.
  

  We have stopped all communication as the file has been closed in our office and returned to the Client.

  Your email address has been removed from the file.

  Sorry for the inconvenience which this may cause you.

  Regards, 

  ****** ****
  Client Services and Administrative
  Associate

  
  

• Initial Complaint

  Date:17/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Repeated voicemails but no direct phone calls. When I call back they say it isn't for me and they will take me off their call list. Unfortunately they keep calling still.

  Business Response

  Date: 19/03/2025

  Good afternoon,

  Thank you for bringing this customer concern to our attention.

  The customer file has been closed in our office since January 5th, 2025.

  However, there was a different file with the customer phone number.

  The phone number has been removed from the file on March 14th, 2025.
  

  Regards,

  Rafina A.
  Client Services and Administrative Associate

• Initial Complaint

  Date:15/01/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a **** ***** loan from 2019, it was sent to collections in 2020. DCA continues to remove and add it back on my credit report. I have proof of the emails sent by them and the constant change of credit report collection dates. They removed and added it back to now the earliest date of 2024. They have heavily impacted my credit score based on this ********* behaviour. I want the original date of first sent to collections dated 2020. Also, they keep changing the amounts and file number to make it seem as if it is a new loan from **** *****. Also, **** ***** sends the collection file to multiple agencies and I have proof of this. All proof is provided with dates.

  Business Response

  Date: 16/01/2025

  Good morning,

  Thank you for bringing this customer concerns to our attention.

  The customer file has been closed in our office and the it was sent the reporting credit bureaus to have the item purged.

  Regards,

  Rafina A.
  Client Services and Administrative
  Associate

   

• Initial Complaint

  Date:03/12/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ***** ***** refuses to answer phone calls or emails providing a discharge letter than collection amount of $3028 was paid in full through consolidated credit company which made a proposal to pay off the debt, now that the account is paid in full DCA will neither will the company update Transunion or Equifax reports on amounts owing, provide a discharge of amount owing letter or respond to the emails, nor will they transfer me to ***** ***** the client administrator

  Business Response

  Date: 03/12/2024

  Good afternoon,

  Thank you for bringing this customer concerns to our attention.

  We are unable to locate a file in our office for this customer.

  Please have the customer provide the DCA Ledger number starting with the letter D.

  Regards,

  ****** ****
  Client Services and Administrative
  Associate
  

  Business Response

  Date: 04/12/2024

  Good afternoon,

  Thank you for bringing this customer concerns to our attention.

  The file has been closed and returned to our client on May 28 2021.

  A request to purge the credit bureau was submitted on Dec 4 2024.
  
  Regards,

  ****** ****
  Client Services and Administrative
  Associate

   

  Customer Answer

  Date: 04/12/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

  I will be ordering a copy of my credit report from both ******* and ********** to confirm that this information is accurate.

  
  
  
  Sincerely,
  
  
  
  ******* ********

• Initial Complaint

  Date:22/11/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Repeatedly calling my phone number looking for ** ****** who had the number before me. Today, they called from ************ and left a message about a **** ***** payday loan from DCA, asking for a call back at ************ with reference to ********.
  
  I have had my current phone number since January 2021. There is no ** ****** at this number and I am affirming that I do not know, and have never known, ** ******.

  Business Response

  Date: 23/11/2024

  Good morning,

  Thank you for bringing this customer concerns to our attention.

  Unfortunately, we cannot locate a file for the mentioned file number or name provided in our office.

  Please have the customer provide their contact phone number we are calling and we will investigate.

  Regards,

  Rafina A.
  Client Services and Administrative
  Associate

   

  Customer Answer

  Date: 25/11/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  Just got another DCA call from ************ asking to speak to ****** (*****??) ******. A There is no ****** ****** at my phone number.
  
  
  
  Sincerely,
  
  
  
  **** *******

  Business Response

  Date: 27/11/2024

  Good morning,

  Thank you for bringing this customer concerns to our attention.

  As previously mentioned, the customer needs to provide the phone number we are contacting to allow us to investigate their concern.

  Regards,

  Rafina A.
  Client Services and Administrative
  Associate

   

  Customer Answer

  Date: 28/11/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  The number being called is my phone number: 1-************
  
  
  
  Sincerely,
  
  
  
  **** *******

  Business Response

  Date: 05/12/2024

  Good morning,

  Thank you for bringing this customer concerns to our attention.

  We have the removed the customer phone number 1-************ from our system.

  There will be no phone calls going to this number going forward.

  Regards,

  Rafina A.
  Client Services and Administrative
  Associate

  Customer Answer

  Date: 05/12/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  **** *******

• Initial Complaint

  Date:19/09/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They claim that I owe them money but I do not have any contract with them. I do not own this debt they are trying to collect.
  I have asked them twice already to provide me with a contract/ proof that I owe this supposed debt, and I have received no answer. They continue to send me collections emails.
  They have made 2 identical entries/account on my credit report with 2 different open dates which is suspicious.
  
  I do not have a contract with Debt Control Angency

  Business Response

  Date: 19/09/2024

  Good afternoon,

  Thank you for bringing this customer concerns to our
  attention.

  The customer has made no contact in our office.

  However, we have requested signed loan agreement from the client to support the debt.

  The document will be sent to the customer once available.

  Thank you.

  ****** ****
  Client Services and Administrative Associate

   

  Customer Answer

  Date: 19/09/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  Here is proof of an email sent to Debt Control Agency, asking them to provide me with validation of this debt. I have definitely contacted them and have been ignored. Please help me rectify this
  
  
  
  Sincerely,
  
  
  
  ***** ********

  Business Response

  Date: 25/09/2024

  Good morning,

  Thank you for bringing this customer concerns to our
  attention.

  We are waiting for the supporting document from our Client to validate the debt.

  Thank you.
  

  ****** ****
  Client Services and Administrative
  Associate

  Customer Answer

  Date: 29/09/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have asked them almost 1 month ago (on September 6th 2024) to verify this alleged debt and they have ignored me and continued to try to collect on this debt when I sent them a cease and desist letter. 
  
  
  
  Sincerely,
  
  
  
  ***** ********

  Business Response

  Date: 09/10/2024

  Good afternoon,

  Thank you for bringing this customer concerns to our
  attention.

  We have received the loan agreement from our client on October 7th, 2024.

  The document has been mailed to the customer October 9th, 2024.

  Our office did not received a cease and desist letter.

  Regards,

  ****** ****
  Client Services and Administrative Associate

  Customer Answer

  Date: 10/10/2024

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I have NOT received any communication from DCA. I have even sent them another email, on October 9th 2024 21:12 that is still left unanswered. They have only communicated with me through here. I will go ahead and file a complaint with the consumer protection branch. * **** **** ******* *** ** ***********. It is very concerning that this business is BBB accredited because all my communications have been ignored. I hope after I file my complaint, a proper investigation will be done to this business as it is quite unprofessional.
  
  
  
  Sincerely,
  
  
  
  ***** ********